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Time to clear the overdraft
As the title suggests, I want to clear my overdraft as I am constantly in it every month. I got paid today, and after paying my half of the bills etc with some bills still to come out, I am back in it. It's £800 and I want it gone before I hopefully *fingers crossed* start back at uni. What is the best way to do it? Pay…
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Debt collectors writing to us - please help
Hi there, I am after some advice please, my husband and I have recently received a letter from Lowell Limited regarding a sum of £3,800. This is from a Lloyds TSB credit card that I took out a few years back when times were very bad for money. I will hold my hands up and admit that I buried my head firmly in my hands when…
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Tuesday 26th Jan - What small DFW things will you do today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Ok - let's do it!
Hi there, We are in a mess financially. We owe 40k and our spending seems to be coming out short of £1k each month. My partner is convinced that I shouldn't be spending any time on here trying to save a few pounds here and there. He claims it is simply tidying up in the teaspoon drawer!! He claims we simply need to make…
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CCJ Advice
Hi Im not sure if this is the right board but could only find a suitable board on the Citizens Advice but unable to post on there. If a mod could move if there is somewhere more suitable... This is the flip side to debt, I am owed money and have successfully obtained a CCJ back in December against the person who owes it to…
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I'm back (again)
Hello guys, Just saying hello. It's been a fair few years since I was properly active on here (looking at my signature 2011) so I thought I'd come back to the fold and get rid of that debt. The motivation from you guys and the mini challenges were a major reason I managed to almost clear my debt back then. So tonight is…
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help with marstons
we had a marstons bailiff at the door last Thursday for my husbands csa debts of around 3600 he stupidly let them in as thought he had to we said theres no way can pay the full amount and would have to be in instalments he said 25 a week but we have to pay 500 by this Friday theres no way we can do this as struggling as it…
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Selling flat while on DMP
Hi I and my wife have a flat in Scotland (mortgaged). We rent it out but the rental is barely just making any profit, its just keeping the mortgage paid and also pays for extras of renting like gas and electrical safety and repairs etc. I was not able to sell it because I was in negative equity for a long time and did not…
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How much information is a debt company entitled to?
Im asking on behalf of a gentleman neighbour. He has a company called Cabot chasing him. He has been paying them an agreed sum for the last 4 years and has never missed a payment. He says he has previously been asked to increase his payments but each time has told them that his circumstances have not changed and its all he…
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Making Changes for the better
Hi Everyone Hope we are all well for a Monday morning I would just like to share my experience and my plan of action with you all, it might help some people who are in the same situation! I have debt , a lot of debt and I have spent many a sleepless night worrying about it, I have let it go on for too long! it has taken…
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Monday 25 Jan 2016. What small dfw stuff will you do today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Newby debt:Realisation dawned! Help..
Hello! I finally realised yesterday that I have been ignoring the fact I am in debt I have £4000 of debt, 3000 of which is now on a 0% credit card and the remainder will be the same on a money transfer for 0%. I had it split between 2 credit cards and my overdraft and it steadily rose in the last 2 months for expensive…
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Ccj help
Hi, this is my first post here. I've had a total messed up financial history but desperate to get sorted so that once we have a deposit saved we can finally buy our house. I've looked on my credit file and I have a new ccj registered at my previous address. I have the case no but no idea what it's for! Any clue on how to…
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F.O.I Request Question
My OH has been paying a DAS (we're in Scotland's) since 2008, the 100th payment will be due at some point later this year. Together with the hefty payments, freeze on interest and reclaimed PPI the debt has gone down considerably. A few weeks ago my OH received a letter from a DCA offering a reduced settlement, which got…
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Debt Advice needed - urgent
Hi all, Am new to this and very scared and embarrassed about my situation. I am 25 and a law graduate but currently not earning very much money and my debts are starting to pile up. I took a loan out of £10,500.00 only recently of which i have around 18 months left, monthly payments of £240.00 and then i have a guarantor…
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Saving for moving house- or paying off debt.
Hi guys, i was wondering if you could give me some advice please. I am paying off a Capital One CC at the moment, and should have only about 3 months left before i have paid it all off. However, very soon (max 3 months) it's very likely i will be moving house. (In fact, i am waiting to hear about a house that i may be…
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Had a financial heart attack yesterday...
..but may have found a solution. Okay, I'm in a dmp. We all know we're not supposed to have an overdraft on a dmp. I thought it was for about £7-800. Looked at the whole in the wall, 0ver£1300!! Also, looked into my ' other account'( if I can put a few quid away , I will ) . That was almost £10 overdrawn. Never happened…
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Being taken to court in March please help me..
No excuse but background information.In 2006 at the height of my mental break down my husband and I took a few credit cards out to transfer other debts. We moved area in February 2009 and I notified the credit card companies in writing of new address but I now can't find the copies of the letters to prove it. After we…
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Advice on moving my overdraft
I have a Natwest current account and I'm currently running a 3k overdraft, and I pay roughly £45 a month in interest. I was wondering if I could shift the overdraft to an account or card that has a 0% interest or low interest? I have a good credit rating and I am in full-time employment. I have had a look at various links…
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Barclaycard
Just a quick question... Have got informal payments with barclaycard and they rang for a review of our budget which is the same so kept payments as they are but they have said that in 2 months time they will probably send the debt to a dca as it's had reduced payments for over 6 months but they said that if we could up the…
